监管科技在反洗钱领域的应用与探索  

The Application and Exploration of Regtech in Anti-money Laundering

作　　者：刘用明[1] 李钊[1] 王嘉帆 Liu Yongming;Li Zhao;Wang Jiafan

机构地区：[1]四川大学经济学院,四川成都610064

出　　处：《证券市场导报》2020年第6期70-78,共9页Securities Market Herald

基　　金：四川省科技厅软科学项目“金融助力四川自贸区建设研究”(2019JDR0139)。

摘　　要：反洗钱是当今世界面临的全球性问题之一。作为科技与金融监管有机融合的产物,监管科技在反洗钱领域的应用优势在于:通过改进反洗钱风险评估流程、提高可疑洗钱活动的宏微观检测能力来提高监管部门的监管效率,通过构造智能化反洗钱框架、实时的交易监控平台、加密货币风险归因数据库等来降低金融机构的合规成本,进而为提升反洗钱监管水平、降低金融机构合规成本提供了强力支持。新形势下我国反洗钱领域面临国际制裁合规难度加大、加密货币新规出台和专业人才不足的挑战,运用监管科技助推中国反洗钱工作向纵深发展正当其时。Anti-money laundering(AML)is a global issue.Regtech,as an organic fusion of technology and financial regulation,has the following merits:boosting the regulatory department’s efficiency by improving the AML risk assessment process and increasing the macro and micro detection capability of suspected money laundering activities;reducing compliance costs for financial institutions by building an intelligent AML framework,a real-time transaction monitoring platform,and a cryptocurrency risk attribution database.Under the new situation,AML in China faces the challenges of the increasing difficulty of international sanctions compliance,the introduction of new cryptocurrency regulations,and the shortage of professionals.At present,it is important for China to apply regtech to AML in a deeper and wider way.

关 键 词：监管科技 反洗钱 国际制裁 加密货币 

分 类 号：F831[经济管理—金融学]